TRU Stock Analysis: Buy, Sell, or Hold?
TRU - TransUnion
$78.31
3.84 (5.16%)
▲
5d:
+16.88%
30d:
+6.18%
90d:
+13.84%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 23, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD - EXTENDED: TRU is 7.5% above its trading range ($72.88). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: TRU is 7.5% above its trading range ($72.88). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$128.50
Based on 10.4% avg growth
INTRINSIC VALUE TODAY
$79.79
1.9% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 14.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $78.31, which is considered extended relative to its 30-day fair value range of $66.28 to $72.88. The stock's valuation (Forward PE: 14.0) is in line with its historical norms (14.1). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% over the next few years. This pessimistic expectation contrasts with the company's recent 172.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TRU is in a downtrend. The price is approaching resistance at $74.19. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.2% recently.
Market Sentiment: TRU has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $89.62 (+14.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, TRU is in a downtrend. The price is approaching resistance at $74.19. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.2% recently.
Market Sentiment: TRU has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $89.62 (+14.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$66.28 -
$72.88
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
59.5%
All Signals
- BEARISH: Price extended above range (+7.5% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.2%)
- BULLISH: Trading below Wall St target ($89.62)
Trading Range Analysis
30-Day Trading Range
$66.28 -
$72.88
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$68.13
Resistance Level
$74.20
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.03
Wall Street Target
$89.62
(+14.4%)
Revenue Growth (YoY)
13.7%
Earnings Growth (YoY)
172.0%
Profit Margin
14.9%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
14.0 vs 14.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$78.15
(0%)
2-Year Target
$78.00
(0%)
3-Year Target
$77.84
(-1%)
3-Yr Target (if PE normalizes)
(PE: 14→14)
$78.21
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 16.8%)
$193.58
(+147%)
Base:
(SPY PE: 14.0, Growth: 16.8%)
$124.73
(+59%)
Bear:
(PE: 11.9, Growth: 16.8%)
$106.02
(+35%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 20.63 | Current EPS (TTM): $3.61
Bull Case
$126.63
(+62%)
Analyst growth 54.6%, PE expands to 22.7
Base Case
$115.11
(+47%)
Market implied 54.6%, PE stable at 20.6
Bear Case
$50.64
(-35%)
Severe decline -20.0%, PE contracts to 17.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 14.0 to 14.1
Stabilization Target:
$78.68
(+0.5%)
PE Expansion Potential:
+0.5%
Share & Embed Analysis
Last updated: July 04, 2026 5:21 PM ET
Data refreshes hourly during market hours. Next update: 6:21 PM
Data refreshes hourly during market hours. Next update: 6:21 PM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
6
Sells
Net
INSIDERS SELLING
Recent Transactions
Heather J Russell
SELL
1983 shares
2026-04-21
Steven M Chaouki
SELL
5000 shares
2026-04-02
Todd C Skinner
SELL
500 shares
2026-04-01
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